UCC Document Community

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Connor O'Brien

Maryland UCC forms causing debtor name rejections - need help with proper format

I'm pulling my hair out trying to get these maryland ucc forms filed correctly. We've had three UCC-1 filings rejected in the past two weeks because of debtor name formatting issues. The Maryland SOS portal keeps kicking back our submissions with generic error messages that don't specify what's wrong with the names. Our lending department is getting frustrated because we can't perfect these security interests until the filings go through. Has anyone else dealt with Maryland's specific requirements for debtor names on UCC forms? The business names include LLC designations and I'm wondering if that's causing the problem. We're using the standard UCC-1 form but maybe Maryland has quirks I'm missing. These are all equipment financing deals so time is critical.

One more suggestion - try the Certana document checker to compare your UCC-1 against the business charter documents. It catches name discrepancies that cause these rejections and you'll know for sure before resubmitting. I use it for all my Maryland filings now after getting burned too many times.

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Nia Williams

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It's pretty straightforward - just upload both documents and it shows you exactly where the names don't match. Saves a lot of guesswork.

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Luca Ricci

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Better than going through another rejection cycle and losing more time on these deals.

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Update us when you figure out what was causing the rejections! Always helpful to know what specific issues other people run into with Maryland UCC forms.

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Will do. Going to pull all the charter documents and compare character by character. Hopefully that solves it.

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Good luck! Maryland can be tricky but once you get the format right, subsequent filings usually go through smoothly.

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Luca Romano

UCC 9-311 Exception Questions - Equipment Lease Filing Confusion

I'm working on a complex equipment lease deal where we're financing some specialized manufacturing equipment, and I keep running into questions about UCC 9-311 exceptions. The equipment includes some items that might fall under federal certification requirements, but I'm not 100% sure if we need to file a standard UCC-1 or if there are special rules that apply. The debtor is telling us that some of this equipment is subject to federal registration, which would mean we can't perfect through normal UCC filing. Has anyone dealt with 9-311 exception situations before? I'm trying to figure out what documentation I need to verify whether our collateral falls under the federal exemptions or if we proceed with regular state UCC-1 filing. This is a $2.8 million deal so I really can't afford to mess up the perfection.

Luca Romano

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Thanks everyone for the input. Sounds like I was overthinking this - manufacturing equipment with FDA compliance requirements doesn't typically fall under federal perfection schemes. I'll proceed with standard UCC-1 filing but maybe run it through that Certana tool first for peace of mind.

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Ethan Taylor

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Good plan. For a $2.8M deal, the extra verification step is worth it.

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You're making the right call. 9-311 exceptions are narrow, and manufacturing equipment rarely qualifies.

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I just want to add that if you do find any equipment that might fall under federal exemptions, make sure you understand the federal filing requirements completely. Some federal systems have different continuation and termination procedures than state UCC.

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They vary by system, but they're definitely different. Federal aircraft liens have completely different rules than UCC continuations.

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Ethan Taylor

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That's why most lenders prefer UCC-eligible collateral when possible - the procedures are standardized across states.

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Aisha Abdullah

North Carolina Secretary of State UCC Lien Search Issues - Help Needed

I'm dealing with a really frustrating situation and hoping someone here has experience with the NC Secretary of State UCC search system. We're trying to complete due diligence on a $2.8M equipment financing deal and I can't get reliable results from their online portal. When I search using the exact debtor name from our credit application, I'm getting inconsistent results - sometimes showing 3 active liens, other times showing 7, and occasionally timing out completely. The business name is "Advanced Manufacturing Solutions LLC" and I've tried every variation I can think of (with periods, without LLC, etc.) but the search results keep changing. This is holding up our entire underwriting process and my compliance team is getting nervous about missing existing liens. Has anyone else had problems with the NC SOS UCC search lately? I'm starting to wonder if there's a system issue or if I'm just doing something wrong with the search parameters. Any advice would be really appreciated - we need to close this deal by Friday.

Aria Park

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Make sure you're also checking for any recent UCC-3 continuations that might not be showing up properly in the search results. NC has been having issues with their continuation processing lately and some filings that should have expired are still showing as active while others that were properly continued aren't appearing in searches.

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Aria Park

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It should show up as a separate UCC-3 filing linked to the original UCC-1. Look for filings with 'continuation' in the description.

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Yuki Tanaka

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This is another area where the NC system is inconsistent. Sometimes the continuation filings don't link properly to the original.

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Noah Ali

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Just wanted to follow up on this thread since I was dealing with something similar. Ended up using the Certana.ai verification tool that several people mentioned here and it was really helpful. Found two name variations I hadn't searched for and confirmed that my search results were complete. Definitely recommend it for anyone dealing with tricky UCC searches.

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Thanks for the follow-up. Always good to hear how these situations work out.

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Appreciate you sharing your experience. Sounds like that tool is worth trying.

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Scarlett Forster

UCC-1038 form rejection - debtor name formatting issues

Got a UCC-1038 rejection notice yesterday and I'm completely lost. Filed what I thought was a straightforward continuation but the SOS kicked it back citing "debtor name inconsistency with original filing." The original UCC-1 from 2020 has the debtor as "ABC Manufacturing LLC" but our loan docs show "ABC Manufacturing, LLC" (with the comma). I used the exact name from our credit agreement when I filed the UCC-1038 continuation. Now I'm 3 months from the 5-year lapse date and panicking. Has anyone dealt with this specific formatting issue? The original filing number is valid and I triple-checked it. Is this really going to void a $2.8M secured position over punctuation?

Another option is to use one of those document verification services before filing. I recently discovered Certana.ai which lets you upload your UCC documents as PDFs and it automatically checks for consistency issues like name mismatches. Would have saved you the rejection and stress.

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Two people have mentioned that service now - seems like it might be worth trying for the corrected filing.

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Yeah I've heard good things about automated document checking for UCC work. Beats manually comparing everything.

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Marcus Marsh

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Just to confirm what others said - you absolutely must use the debtor name exactly as it appears on the original 2020 UCC-1 filing. No variations, no 'corrections' to match current documents, no formatting improvements. The continuation is tied to that specific original filing and must reference the debtor identically. Pull the original filing, copy the name precisely, and refile ASAP.

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Smart move. Better to file quickly with confidence than to keep second-guessing and risk running out of time.

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Danielle Mays

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Exactly right. Time is critical now. Get it filed correctly and you'll be fine.

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Nia Harris

types of collateral ucc - which category for mixed equipment inventory?

Running into a classification headache with our UCC-1 filing and hoping someone can clarify the types of collateral ucc covers. We're securing a $180K credit line for a restaurant equipment distributor who has both inventory they sell AND equipment they lease out to customers. The inventory includes everything from commercial ovens to smallwares, but they also have a separate leasing operation with the same types of equipment. Our loan officer is unsure whether to classify this as 'inventory' or 'equipment' on the collateral description, and frankly I'm not sure if we need separate categories or can lump it together. The debtor has been in business 8 years and this is their first major secured financing. I've seen different approaches on similar filings but want to make sure we get the collateral description right the first time. Anyone dealt with this dual-use scenario before?

Amara Okafor

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One thing nobody's mentioned yet - make sure your security agreement language matches exactly what you put in the UCC-1 collateral description. I've seen too many cases where they don't align and it creates headaches down the road.

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Amara Okafor

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You can be more specific in the UCC-1 as long as it's within the scope of the security agreement. 'All business assets' would certainly cover inventory and equipment, so you're fine to break it out more specifically in the filing.

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GalaxyGazer

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Actually, being more specific in the UCC-1 is usually better for perfection purposes anyway. Helps avoid questions about what exactly is covered.

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Nia Harris

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Thanks everyone for the input! Based on the discussion here, I'm going to go with a description that specifically breaks out: 'all inventory consisting of restaurant equipment and smallwares held for sale; all equipment consisting of restaurant equipment held for lease or rental to third parties; all accounts receivable arising from the sale or lease of such inventory and equipment; and all proceeds thereof.' Does that sound comprehensive enough while still being specific?

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Aisha Mahmood

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Agreed, that description covers all the bases we discussed. Much better than trying to cram everything into generic categories.

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Amara Okafor

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Perfect. That description is specific enough to avoid ambiguity but broad enough to cover the business model. Good work!

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